Are you constantly being hassled and harassed by debt collectors who are telling you they are going to file a lawsuit against you? Well, there is such a thing called statute of limitations on debt. This basically states that there is a limit on the amount of time you can be sued for debt. Once this statute expires, your debt will still exist and may be listed on your credit report but you will no longer be legally required to repay the debt. Continue reading
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How to Get Help with Rent in Nevada
When you are in Nevada, you won’t get bored, that’s for sure. There’s no need to even mention Las Vegas, also known as a playground for adults. Tourists from all over the world come to the United States to visit this city, to see its glam and glitz. Also, from hiking and biking to fishing and hunting, Nevada offers many different outdoor activities. Continue reading
How to Close a Credit Card Account
If you want to cancel a credit card account, just know that it is more than just taking a pair of scissors and cutting it in half. Your decision to cancel an account may be because you want to avoid excessive spending, or to protect yourself from fraud, or to just cut out unnecessary cards that are costing you money. However, there are specific steps that you follow when you do make this decision. You want to close the credit card account in a smart way so it causes the least amount of damage to your credit and wallet. Continue reading
How Does a Judgment Affect Home Ownership?
If you stop making payments on a credit card or loan, the creditor or lender can take you to court which may result in a judgment against you. A judgment is really just a piece of paper signed by the judge saying you owe a debt. Once this has been obtained by the creditor, they are allowed to use the legal system to try to attach your personal property or garnish your wages in compensation of your debt. Continue reading
How Can You Benefit from Having a Credit Card?
Having a credit card is not always a bad thing, as long as you are a wise spender and make use of good debt management. Credit cards can make life easier and be a great tool, but if they are not used wisely they can become a huge financial burden. For the people using common sense and who make wise decisions, these plastic cards can actually come with a few benefits. Continue reading
Housing Assistance in Michigan
If you are a fan of cold weather and the snow, then Michigan is a great state for you to live in. Located in the upper Midwest and the heart of the Great Lakes Region, Michigan has many attractions, landmarks, and scenic state and national parks that you can visit. From fishing, sailing, to skiing and sledding, you are sure to find something you love to do. However, many people are struggling with finding a reasonable place to live, where they can be happy and comfortable, but also be able to keep up with their monthly bills. Continue reading
Financial Challenges for Military Spouses
Who isn’t stressed out about the economy these days? Everyone wants to be in a good financial standing and make sure they are balancing their budget well. Military families have many of the same financial challenges as any other families, but they also face some unique obstacles. Constant relocations, extended deployments, a military spouse losing their job, and other stresses can quickly lead to financial troubles. Continue reading
Medical Expense Tax Deductions Changing in 2013
Even with the help of health insurance, medical expenses cost a whole lot and they are only continuing to rise year after year. The good thing is that insurance premiums, co-pays and uncovered medical expenses are deductible as itemized deductions on your tax returns. Whether you are covered by your employer or by an individual coverage, there are some tips that you can use to make sure you are maximizing your deductions. Continue reading
Effects of PCS on Military Families
A Permanent Change of Station (PCS) occurs when a military member moves from one duty station to another, usually taking their families with them. Moving frequently is known to be one of the greatest stressors, but for military families, who typically can expect to move an average of every three years, this effects is magnified. Specifically, these multiple relocations can have detrimental effects on the careers of the military spouses as it may lead to fewer job opportunities, less training, and lower wages. Continue reading
Advantages of Having a Roommate
Usually, having a roommate is associated with college students and young adults. However, it is becoming more common living situation for people of all ages. Though roommates may come with many challenges, if you choose wisely, it will bring in many benefits as well. It is recommended that you choose someone you know well, and to talk to them beforehand about likes and dislikes so you know if you’re on the same page or not. Continue reading
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